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feat: 初始提交 - 科创企业特有风险的识别与管理 (数智风控系统)

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Chen Xiao
2026-08-14 08:21:26 +08:00
commit a41576a8c0
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projects/XH-202626-presentation_ppt169_20260727/svg_output/13_dynamic_pricing.svg
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<!-- Header -->
<text x="40" y="65" font-family="SimHei, Microsoft YaHei, sans-serif" font-size="36" font-weight="bold" fill="#F8FAFC">平安主业动态保费定价引擎</text>
<text x="40" y="105" font-family="Microsoft YaHei, sans-serif" font-size="18" fill="#22D3EE">风控评分与费率精算联动模型</text>
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<text x="30" y="45" font-family="SimHei, Microsoft YaHei, sans-serif" font-size="22" font-weight="bold" fill="#22C55E">动态保费精算模型：</text>
<text x="30" y="85" font-family="Microsoft YaHei, sans-serif" font-size="20" font-weight="bold" fill="#F8FAFC">Premium = BasePremium * (1 + Sum(Weight_i * Factor_i)) * K_contagion</text>
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<text x="255" y="170" font-family="SimHei, Microsoft YaHei, sans-serif" font-size="20" font-weight="bold" fill="#F8FAFC" text-anchor="middle">上浮调节因子</text>
<text x="25" y="225" font-family="Microsoft YaHei, sans-serif" font-size="19" fill="#CBD5E1">• 资本化率跳变偏离：费率上浮 15%</text>
<text x="25" y="275" font-family="Microsoft YaHei, sans-serif" font-size="19" fill="#CBD5E1">• HHI 集中度超标：费率上浮 20%</text>
<text x="25" y="325" font-family="Microsoft YaHei, sans-serif" font-size="19" fill="#CBD5E1">• 图谱临近 BIS 清单：浮动系数 1.3</text>
<rect x="550" y="140" width="510" height="280" rx="8" fill="#1E293B" stroke="#22D3EE" stroke-width="1.5"/>
<rect x="550" y="140" width="510" height="45" rx="8" fill="#0891B2"/>
<text x="805" y="170" font-family="SimHei, Microsoft YaHei, sans-serif" font-size="20" font-weight="bold" fill="#F8FAFC" text-anchor="middle">优惠调节因子</text>
<text x="575" y="225" font-family="Microsoft YaHei, sans-serif" font-size="19" fill="#CBD5E1">• 完成网信办算法备案：费率优惠 10%</text>
<text x="575" y="275" font-family="Microsoft YaHei, sans-serif" font-size="19" fill="#CBD5E1">• 专利增速同行业领先：费率优惠 15%</text>
<text x="575" y="325" font-family="Microsoft YaHei, sans-serif" font-size="19" fill="#CBD5E1">• 核心团队稳定度高：免赔额下调</text>
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